Note 5 - Allowances for Loan and Lease Losses and Real Estate Losses

9 Months Ended

Sep. 30, 2017

Notes to Financial Statements

Allowance for Credit Losses [Text Block]

5 . ALLOWANCES FOR LOAN AND LEASE LOSSES AND REAL ESTATE LOSSES

The tables below provide a rollforward of the allowance for loan

and lease losses (“ALLL”) by portfolio segment for the

three

months ended

September 30, 2017

and

2016

(in thousands):

	June 30, 2017		Provision (Reversals)			Charge-offs			Recoveries		September 30, 2017
One- to four-family residential	$	4,111	$	234		$	(52	)	$	10	$	4,303
Multifamily residential		1,062		(26	)		--			--		1,036
Nonfarm nonresidential		3,991		268			--			--		4,259
Farmland		1,006		42			--			48		1,096
Construction and land development		2,011		135			--			16		2,162
Commercial		4,089		877			(59	)		23		4,930
Consumer		348		354			(265	)		14		451
Purchased credit impaired		465		(21	)		(20	)		21		445
Total	$	17,083	$	1,863		$	(396	)	$	132	$	18,682

	June 30, 2016		Provision (Reversals)			Charge-offs			Recoveries		September 30, 2016
One- to four-family residential	$	3,892	$	132		$	(171	)	$	10	$	3,863
Multifamily residential		779		168			--			--		947
Nonfarm nonresidential		3,146		(143	)		--			10		3,013
Farmland		716		76			--			--		792
Construction and land development		1,569		(65	)		--			2		1,506
Commercial		3,603		295			(5	)		3		3,896
Consumer		174		167			(108	)		17		250
Purchased credit impaired		872		13			(62	)		22		845
Total	$	14,751	$	643		$	(346	)	$	64	$	15,112

The tables below provide a rollforward of the ALLL by portfolio segment

for the

nine

months ended

September 30, 2017

and

2016

(in thousands):

	January 1, 2017		Provision (Reversals)			Charge-offs			Recoveries		September 30, 2017
One- to four-family residential	$	3,896	$	512		$	(125	)	$	20	$	4,303
Multifamily residential		962		74			--			--		1,036
Nonfarm nonresidential		3,210		1,049			--			--		4,259
Farmland		863		388			(203	)		48		1,096
Construction and land development		1,791		351			--			20		2,162
Commercial		3,909		1,279			(283	)		25		4,930
Consumer		360		530			(526	)		87		451
Purchased credit impaired		593		(149	)		(65	)		66		445
Total	$	15,584	$	4,034		$	(1,202	)	$	266	$	18,682

	January 1, 2016		Provision (Reversals)			Charge-offs			Recoveries		September 30, 2016
One- to four-family residential	$	3,870	$	301		$	(340	)	$	32	$	3,863
Multifamily residential		665		283			(1	)		--		947
Nonfarm nonresidential		3,599		(587	)		(9	)		10		3,013
Farmland		714		78			--			--		792
Construction and land development		1,456		(11	)		--			61		1,506
Commercial		2,565		1,406			(83	)		8		3,896
Consumer		166		301			(277	)		60		250
Purchased credit impaired		1,515		(106	)		(638	)		74		845
Total	$	14,550	$	1,665		$	(1,348	)	$	245	$	15,112

The tables below present the allocation of the

ALLL and the related loans receivable balances disaggregated on the basis of impairment method by portfolio segment as of

September 30, 2017

and

December 31, 2016 (

in thousands):

	Allowance for Loan and Lease Losses						Loan Balances
September 30 , 2017	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Purchased Credit Impaired		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Purchased Credit Impaired
One- to four-family residential	$	68	$	4,235	$	223	$	7,082	$	383,735	$	2,265
Multifamily residential		--		1,036		--		--		92,837		--
Nonfarm nonresidential		--		4,259		11		8,760		557,700		1,858
Farmland		--		1,096		--		1,174		97,986		29
Construction and land development		--		2,162		--		278		145,348		1,445
Commercial		333		4,597		211		1,586		371,354		524
Consumer		5		446		--		167		36,649		43
Total	$	406	$	17,831	$	445	$	19,047	$	1,685,609	$	6,164

	Allowance for Loan and Lease Losses						Loan Balances
December 31, 2016	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Purchased Credit Impaired		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Purchased Credit Impaired
One- to four-family residential	$	74	$	3,822	$	277	$	6,906	$	379,487	$	2,714
Multifamily residential		--		962		--		--		92,460		--
Nonfarm nonresidential		--		3,210		89		9,421		478,176		7,576
Farmland		--		863		--		783		93,182		53
Construction and land development		--		1,791		--		539		123,814		1,432
Commercial		488		3,421		227		4,358		318,182		556
Consumer		5		355		--		173		36,039		53
Total	$	567	$	14,424	$	593	$	22,180	$	1,521,340	$	12,384

A summary of the activity in the

allowance for losses on real estate owned is as follows for the

three

and

nine

months ended

September 30, 2017

and

2016

(in thousands):

	Three Months Ended					Nine Months Ended
	September 30, 2017		September 30, 2016			September 30, 2017			September 30, 2016
Balance —beginning of period	$	373	$	3,825		$	459		$	4,268
Provisions for estimated losses		14		289			117			302
Losses charged off		--		(3,402	)		(189	)		(3,858	)
Balance —end of period	$	387	$	712		$	387		$	712